Home > Citizens Savings Bank > Performance and Condition Ratios
Citizens Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 4,373 |
| Cost of funding earning assets | 0.9098% | 3,500 |
| Net interest margin | 2.6513% | 3,893 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.8228% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8753% | 2,618 |
| Return on assets (ROA) | 0.8884% | 2,556 |
| Pretax return on assets | 0.9319% | 2,868 |
| Return on Equity (ROE) | 18.4900% | 760 |
| Retained earnings to average equity (ytd only) | 5.1749% | 2,545 |
| Net charge-offs to loans | -0.0052% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.5059% | 2,287 |
| Assets per employee ($millions) | 6.8669% | 2,159 |
| Cash dividends to net income (ytd only)* | 72.0057% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,315 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 37.0500% | 4,124 |
| Net loans and leases to deposits | 40.4714% | 4,191 |
| Net loans and leases to core deposits | 42.2815% | 4,245 |
| Total domestic deposits to total assets | 91.5500% | 380 |
| Equity capital to assets | 5.6973% | 4,295 |
| Core capital (leverage) ratio | 9.9180% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7703% | 625 |
| Memoranda: | ||
| Average total assets | $158,819,000 | 3,283 |
| Average earning assets | $151,018,600 | 3,243 |
| Average equity | $7,633,000 | 3,977 |
| Average total loans | $57,613,000 | 3,739 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,377 |
| Cost of funding earning assets | 0.8334% | 3,446 |
| Net interest margin | 2.6809% | 3,903 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.7940% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9359% | 2,562 |
| Return on assets (ROA) | 0.9430% | 2,525 |
| Pretax return on assets | 0.9886% | 2,888 |
| Return on Equity (ROE) | 20.5200% | 674 |
| Retained earnings to average equity (ytd only) | 6.1888% | 2,571 |
| Net charge-offs to loans | -0.0046% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.6444% | 2,426 |
| Assets per employee ($millions) | 7.2721% | 1,770 |
| Cash dividends to net income (ytd only)* | 69.8329% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,490 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 35.5400% | 4,198 |
| Net loans and leases to deposits | 37.6817% | 4,264 |
| Net loans and leases to core deposits | 39.1457% | 4,275 |
| Total domestic deposits to total assets | 94.3100% | 162 |
| Equity capital to assets | 4.6892% | 4,304 |
| Core capital (leverage) ratio | 9.7408% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3840% | 775 |
| Memoranda: | ||
| Average total assets | $160,756,000 | 3,285 |
| Average earning assets | $152,782,750 | 3,238 |
| Average equity | $7,389,500 | 4,005 |
| Average total loans | $57,852,750 | 3,744 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4077% | 4,416 |
| Cost of funding earning assets | 0.7808% | 3,266 |
| Net interest margin | 2.6269% | 4,078 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.7874% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9155% | 2,704 |
| Return on assets (ROA) | 0.9167% | 2,686 |
| Pretax return on assets | 0.9614% | 3,013 |
| Return on Equity (ROE) | 20.0800% | 699 |
| Retained earnings to average equity (ytd only) | 5.8760% | 2,667 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.0542% | 2,367 |
| Assets per employee ($millions) | 7.0162% | 1,913 |
| Cash dividends to net income (ytd only)* | 70.7317% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,485 |
| Loan loss allowance to noncurrent loans | 661.7647% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,112 |
| Noncurrent loans to loans | 0.1800% | 2,579 |
| Net loans and leases to total assets | 36.2700% | 4,168 |
| Net loans and leases to deposits | 38.4130% | 4,246 |
| Net loans and leases to core deposits | 39.8903% | 4,261 |
| Total domestic deposits to total assets | 94.4300% | 128 |
| Equity capital to assets | 4.8401% | 4,401 |
| Core capital (leverage) ratio | 9.4656% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4553% | 763 |
| Memoranda: | ||
| Average total assets | $161,012,667 | 3,282 |
| Average earning assets | $153,184,000 | 3,247 |
| Average equity | $7,352,000 | 4,034 |
| Average total loans | $57,959,333 | 3,749 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2792% | 4,448 |
| Cost of funding earning assets | 0.6558% | 3,201 |
| Net interest margin | 2.6234% | 4,184 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.7622% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8865% | 2,898 |
| Return on assets (ROA) | 0.8957% | 2,827 |
| Pretax return on assets | 0.9395% | 3,153 |
| Return on Equity (ROE) | 20.1900% | 738 |
| Retained earnings to average equity (ytd only) | 5.8690% | 2,802 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4611% | 2,274 |
| Assets per employee ($millions) | 7.6841% | 1,516 |
| Cash dividends to net income (ytd only)* | 70.9239% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 2,788 |
| Loan loss allowance to noncurrent loans | 649.0385% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,170 |
| Noncurrent loans to loans | 0.1782% | 2,589 |
| Net loans and leases to total assets | 34.1200% | 4,258 |
| Net loans and leases to deposits | 36.1976% | 4,326 |
| Net loans and leases to core deposits | 37.4874% | 4,331 |
| Total domestic deposits to total assets | 94.2700% | 145 |
| Equity capital to assets | 4.5235% | 4,490 |
| Core capital (leverage) ratio | 9.2451% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6835% | 886 |
| Memoranda: | ||
| Average total assets | $164,340,500 | 3,299 |
| Average earning assets | $156,134,500 | 3,258 |
| Average equity | $7,292,500 | 4,086 |
| Average total loans | $58,605,500 | 3,780 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8605% | 4,274 |
| Cost of funding earning assets | 0.2584% | 3,257 |
| Net interest margin | 2.6021% | 4,170 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.6307% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9951% | 2,584 |
| Return on assets (ROA) | 0.9945% | 2,538 |
| Pretax return on assets | 1.0455% | 2,928 |
| Return on Equity (ROE) | 18.5200% | 629 |
| Retained earnings to average equity (ytd only) | 5.5151% | 2,822 |
| Net charge-offs to loans | -0.0018% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.9206% | 2,920 |
| Assets per employee ($millions) | 6.9404% | 2,013 |
| Cash dividends to net income (ytd only)* | 70.2204% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 2,663 |
| Loan loss allowance to noncurrent loans | 597.3451% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,082 |
| Noncurrent loans to loans | 0.1920% | 2,521 |
| Net loans and leases to total assets | 36.4400% | 4,196 |
| Net loans and leases to deposits | 38.7807% | 4,278 |
| Net loans and leases to core deposits | 39.8361% | 4,281 |
| Total domestic deposits to total assets | 93.9700% | 246 |
| Equity capital to assets | 4.3463% | 4,477 |
| Core capital (leverage) ratio | 9.1499% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9140% | 840 |
| Memoranda: | ||
| Average total assets | $168,822,200 | 3,276 |
| Average earning assets | $161,406,400 | 3,228 |
| Average equity | $9,066,000 | 3,988 |
| Average total loans | $57,117,000 | 3,789 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7456% | 4,251 |
| Cost of funding earning assets | 0.2049% | 3,213 |
| Net interest margin | 2.5406% | 4,176 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.5741% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9941% | 2,494 |
| Return on assets (ROA) | 0.9867% | 2,498 |
| Pretax return on assets | 1.0375% | 2,909 |
| Return on Equity (ROE) | 18.4100% | 589 |
| Retained earnings to average equity (ytd only) | 5.6549% | 2,876 |
| Net charge-offs to loans | 0.0071% | 1,888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 348 |
| Efficiency ratio | 60.0954% | 3,099 |
| Assets per employee ($millions) | 7.4792% | 1,623 |
| Cash dividends to net income (ytd only)* | 69.2795% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,358 |
| Loan loss allowance to noncurrent loans | 568.6441% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,176 |
| Noncurrent loans to loans | 0.2168% | 2,530 |
| Net loans and leases to total assets | 32.6600% | 4,352 |
| Net loans and leases to deposits | 34.2100% | 4,415 |
| Net loans and leases to core deposits | 35.0969% | 4,418 |
| Total domestic deposits to total assets | 95.4800% | 170 |
| Equity capital to assets | 2.8011% | 4,607 |
| Core capital (leverage) ratio | 8.9637% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1003% | 846 |
| Memoranda: | ||
| Average total assets | $170,670,500 | 3,292 |
| Average earning assets | $163,314,500 | 3,242 |
| Average equity | $9,148,250 | 4,020 |
| Average total loans | $56,683,750 | 3,810 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6505% | 4,218 |
| Cost of funding earning assets | 0.2049% | 2,855 |
| Net interest margin | 2.4456% | 4,167 |
| Noninterest income to average assets | 0.1830% | 4,091 |
| Noninterest expense to average assets | 1.5216% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9611% | 2,306 |
| Return on assets (ROA) | 0.9611% | 2,285 |
| Pretax return on assets | 1.0109% | 2,686 |
| Return on Equity (ROE) | 15.5703% | 784 |
| Retained earnings to average equity (ytd only) | 4.8587% | 2,760 |
| Net charge-offs to loans | 0.0104% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 415 |
| Efficiency ratio | 60.0823% | 3,286 |
| Assets per employee ($millions) | 7.6424% | 1,521 |
| Cash dividends to net income (ytd only)* | 68.7952% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,654 |
| Loan loss allowance to noncurrent loans | 541.1290% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,204 |
| Noncurrent loans to loans | 0.2230% | 2,608 |
| Net loans and leases to total assets | 34.2324% | 4,324 |
| Net loans and leases to deposits | 36.2518% | 4,382 |
| Net loans and leases to core deposits | 37.1487% | 4,401 |
| Total domestic deposits to total assets | 94.4296% | 205 |
| Equity capital to assets | 4.3803% | 4,576 |
| Core capital (leverage) ratio | 8.5649% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7940% | 884 |
| Memoranda: | ||
| Average total assets | $172,713,000 | 3,313 |
| Average earning assets | $165,931,333 | 3,261 |
| Average equity | $10,661,333 | 3,917 |
| Average total loans | $57,439,000 | 3,837 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5313% | 4,226 |
| Cost of funding earning assets | 0.2022% | 2,767 |
| Net interest margin | 2.3291% | 4,188 |
| Noninterest income to average assets | 0.1476% | 4,271 |
| Noninterest expense to average assets | 1.4741% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8701% | 2,415 |
| Return on assets (ROA) | 0.8701% | 2,402 |
| Pretax return on assets | 0.9149% | 2,720 |
| Return on Equity (ROE) | 12.4709% | 1,172 |
| Retained earnings to average equity (ytd only) | 2.8212% | 3,328 |
| Net charge-offs to loans | -0.0069% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7041% | 3,301 |
| Assets per employee ($millions) | 8.0005% | 1,361 |
| Cash dividends to net income (ytd only)* | 77.3779% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,912 |
| Loan loss allowance to noncurrent loans | 523.2558% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,338 |
| Noncurrent loans to loans | 0.2273% | 2,686 |
| Net loans and leases to total assets | 31.8660% | 4,385 |
| Net loans and leases to deposits | 34.4531% | 4,437 |
| Net loans and leases to core deposits | 35.0936% | 4,456 |
| Total domestic deposits to total assets | 92.4909% | 404 |
| Equity capital to assets | 5.7070% | 4,637 |
| Core capital (leverage) ratio | 8.1479% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8176% | 929 |
| Memoranda: | ||
| Average total assets | $178,824,000 | 3,265 |
| Average earning assets | $172,083,500 | 3,211 |
| Average equity | $12,477,000 | 3,815 |
| Average total loans | $58,353,000 | 3,819 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8843% | 4,084 |
| Cost of funding earning assets | 0.2937% | 2,460 |
| Net interest margin | 2.5906% | 4,062 |
| Noninterest income to average assets | 0.2162% | 4,070 |
| Noninterest expense to average assets | 1.5246% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1106% | 2,242 |
| Return on assets (ROA) | 1.1106% | 2,305 |
| Pretax return on assets | 1.1680% | 2,768 |
| Return on Equity (ROE) | 12.4636% | 1,667 |
| Retained earnings to average equity (ytd only) | 4.2675% | 3,103 |
| Net charge-offs to loans | 0.0033% | 2,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 986.0000% | 150 |
| Efficiency ratio | 56.6212% | 3,625 |
| Assets per employee ($millions) | 7.5682% | 1,576 |
| Cash dividends to net income (ytd only)* | 65.7600% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,254 |
| Loan loss allowance to noncurrent loans | 502.9851% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,438 |
| Noncurrent loans to loans | 0.2235% | 2,841 |
| Net loans and leases to total assets | 32.6306% | 4,425 |
| Net loans and leases to deposits | 36.1811% | 4,471 |
| Net loans and leases to core deposits | 36.8451% | 4,499 |
| Total domestic deposits to total assets | 90.1870% | 873 |
| Equity capital to assets | 8.2082% | 4,230 |
| Core capital (leverage) ratio | 8.0669% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9917% | 1,044 |
| Memoranda: | ||
| Average total assets | $168,833,000 | 3,310 |
| Average earning assets | $161,392,600 | 3,263 |
| Average equity | $15,043,800 | 3,629 |
| Average total loans | $59,788,800 | 3,818 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0212% | 3,966 |
| Cost of funding earning assets | 0.3108% | 2,489 |
| Net interest margin | 2.7103% | 3,947 |
| Noninterest income to average assets | 0.2198% | 4,086 |
| Noninterest expense to average assets | 1.5721% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1704% | 2,274 |
| Return on assets (ROA) | 1.1704% | 2,333 |
| Pretax return on assets | 1.2308% | 2,836 |
| Return on Equity (ROE) | 12.8577% | 1,741 |
| Retained earnings to average equity (ytd only) | 5.0051% | 3,216 |
| Net charge-offs to loans | 0.0045% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 764.5000% | 209 |
| Efficiency ratio | 56.0885% | 3,513 |
| Assets per employee ($millions) | 7.5934% | 1,514 |
| Cash dividends to net income (ytd only)* | 61.0729% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,089 |
| Loan loss allowance to noncurrent loans | 495.5882% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,611 |
| Noncurrent loans to loans | 0.2377% | 2,983 |
| Net loans and leases to total assets | 31.0303% | 4,564 |
| Net loans and leases to deposits | 34.2495% | 4,617 |
| Net loans and leases to core deposits | 34.9322% | 4,634 |
| Total domestic deposits to total assets | 90.6009% | 508 |
| Equity capital to assets | 8.3763% | 4,290 |
| Core capital (leverage) ratio | 8.3940% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9375% | 1,143 |
| Memoranda: | ||
| Average total assets | $165,632,250 | 3,372 |
| Average earning assets | $157,860,750 | 3,331 |
| Average equity | $15,077,500 | 3,670 |
| Average total loans | $59,750,250 | 3,871 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9889% | 4,069 |
| Cost of funding earning assets | 0.3282% | 2,513 |
| Net interest margin | 2.6608% | 4,057 |
| Noninterest income to average assets | 0.2286% | 4,030 |
| Noninterest expense to average assets | 1.5840% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1193% | 2,470 |
| Return on assets (ROA) | 1.1193% | 2,539 |
| Pretax return on assets | 1.1768% | 2,973 |
| Return on Equity (ROE) | 11.9347% | 2,091 |
| Retained earnings to average equity (ytd only) | 5.2214% | 3,109 |
| Net charge-offs to loans | 0.0066% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 275 |
| Efficiency ratio | 57.3756% | 3,354 |
| Assets per employee ($millions) | 7.0744% | 1,749 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,110 |
| Loan loss allowance to noncurrent loans | 468.0556% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 3,612 |
| Noncurrent loans to loans | 0.2492% | 3,055 |
| Net loans and leases to total assets | 35.1013% | 4,496 |
| Net loans and leases to deposits | 39.2914% | 4,537 |
| Net loans and leases to core deposits | 40.0384% | 4,579 |
| Total domestic deposits to total assets | 89.3358% | 1,121 |
| Equity capital to assets | 9.3521% | 3,469 |
| Core capital (leverage) ratio | 8.6061% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7881% | 994 |
| Memoranda: | ||
| Average total assets | $160,096,000 | 3,432 |
| Average earning assets | $152,362,333 | 3,389 |
| Average equity | $15,015,000 | 3,680 |
| Average total loans | $60,592,333 | 3,887 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7730% | 4,400 |
| Cost of funding earning assets | 0.3470% | 2,544 |
| Net interest margin | 2.4260% | 4,387 |
| Noninterest income to average assets | 0.2166% | 4,096 |
| Noninterest expense to average assets | 1.5543% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9220% | 3,074 |
| Return on assets (ROA) | 0.9220% | 3,148 |
| Pretax return on assets | 0.9698% | 3,458 |
| Return on Equity (ROE) | 9.8163% | 2,753 |
| Retained earnings to average equity (ytd only) | 2.9771% | 3,790 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5768% | 2,827 |
| Assets per employee ($millions) | 7.2724% | 1,600 |
| Cash dividends to net income (ytd only)* | 69.6721% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,564 |
| Loan loss allowance to noncurrent loans | 320.3791% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 3,545 |
| Noncurrent loans to loans | 0.3344% | 2,896 |
| Net loans and leases to total assets | 37.3226% | 4,440 |
| Net loans and leases to deposits | 41.3318% | 4,524 |
| Net loans and leases to core deposits | 42.4236% | 4,554 |
| Total domestic deposits to total assets | 90.2999% | 669 |
| Equity capital to assets | 8.6617% | 3,988 |
| Core capital (leverage) ratio | 8.8018% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8864% | 1,331 |
| Memoranda: | ||
| Average total assets | $158,788,000 | 3,449 |
| Average earning assets | $151,028,500 | 3,406 |
| Average equity | $14,914,000 | 3,696 |
| Average total loans | $61,994,500 | 3,882 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 3,945 |
| Cost of funding earning assets | 0.4722% | 3,137 |
| Net interest margin | 3.0652% | 3,711 |
| Noninterest income to average assets | 0.2400% | 4,065 |
| Noninterest expense to average assets | 1.7322% | 4,572 |
| Loan and lease loss provision to assets | 0.0359% | 3,962 |
| Net operating income to assets | 1.3147% | 1,208 |
| Return on assets (ROA) | 1.3147% | 1,306 |
| Pretax return on assets | 1.3823% | 1,716 |
| Return on Equity (ROE) | 12.6455% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.9940% | 2,827 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9829% | 4,091 |
| Assets per employee ($millions) | 6.2629% | 2,112 |
| Cash dividends to net income (ytd only)* | 68.4153% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,414 |
| Loan loss allowance to noncurrent loans | 305.8824% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 3,550 |
| Noncurrent loans to loans | 0.3630% | 2,896 |
| Net loans and leases to total assets | 40.0565% | 4,436 |
| Net loans and leases to deposits | 45.3620% | 4,487 |
| Net loans and leases to core deposits | 46.7233% | 4,525 |
| Total domestic deposits to total assets | 88.3042% | 1,328 |
| Equity capital to assets | 10.2056% | 2,927 |
| Core capital (leverage) ratio | 9.0623% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5405% | 1,141 |
| Memoranda: | ||
| Average total assets | $139,190,200 | 3,523 |
| Average earning assets | $132,159,000 | 3,480 |
| Average equity | $14,471,600 | 3,696 |
| Average total loans | $65,833,200 | 3,815 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 3,757 |
| Cost of funding earning assets | 0.5001% | 3,226 |
| Net interest margin | 3.2203% | 3,427 |
| Noninterest income to average assets | 0.2326% | 4,105 |
| Noninterest expense to average assets | 1.7701% | 4,542 |
| Loan and lease loss provision to assets | 0.0491% | 3,740 |
| Net operating income to assets | 1.3938% | 1,116 |
| Return on assets (ROA) | 1.3938% | 1,214 |
| Pretax return on assets | 1.4661% | 1,526 |
| Return on Equity (ROE) | 13.3381% | 1,022 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,039 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8828% | 4,157 |
| Assets per employee ($millions) | 6.5240% | 1,811 |
| Cash dividends to net income (ytd only)* | 69.8457% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,569 |
| Loan loss allowance to noncurrent loans | 407.2289% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 3,880 |
| Noncurrent loans to loans | 0.2527% | 3,399 |
| Net loans and leases to total assets | 43.3219% | 4,445 |
| Net loans and leases to deposits | 48.9768% | 4,519 |
| Net loans and leases to core deposits | 50.4427% | 4,568 |
| Total domestic deposits to total assets | 88.4539% | 990 |
| Equity capital to assets | 10.0126% | 3,215 |
| Core capital (leverage) ratio | 9.7886% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9665% | 1,254 |
| Memoranda: | ||
| Average total assets | $136,410,250 | 3,548 |
| Average earning assets | $129,299,750 | 3,504 |
| Average equity | $14,254,500 | 3,726 |
| Average total loans | $67,070,250 | 3,810 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,440 |
| Cost of funding earning assets | 0.5426% | 3,279 |
| Net interest margin | 3.4151% | 3,055 |
| Noninterest income to average assets | 0.2305% | 4,106 |
| Noninterest expense to average assets | 1.8352% | 4,507 |
| Loan and lease loss provision to assets | 0.0758% | 3,345 |
| Net operating income to assets | 1.4879% | 945 |
| Return on assets (ROA) | 1.4879% | 1,023 |
| Pretax return on assets | 1.5653% | 1,310 |
| Return on Equity (ROE) | 14.0163% | 888 |
| Retained earnings to average equity (ytd only) | 4.9150% | 2,518 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7923% | 4,290 |
| Assets per employee ($millions) | 5.7268% | 2,427 |
| Cash dividends to net income (ytd only)* | 64.9337% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,505 |
| Loan loss allowance to noncurrent loans | 384.0909% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 3,887 |
| Noncurrent loans to loans | 0.2639% | 3,440 |
| Net loans and leases to total assets | 48.0326% | 4,248 |
| Net loans and leases to deposits | 54.8350% | 4,345 |
| Net loans and leases to core deposits | 56.6626% | 4,411 |
| Total domestic deposits to total assets | 87.5948% | 1,378 |
| Equity capital to assets | 10.8358% | 2,473 |
| Core capital (leverage) ratio | 9.9072% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3137% | 1,173 |
| Memoranda: | ||
| Average total assets | $131,863,333 | 3,578 |
| Average earning assets | $125,324,667 | 3,527 |
| Average equity | $13,998,000 | 3,764 |
| Average total loans | $67,533,333 | 3,799 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 4,067 |
| Cost of funding earning assets | 0.5623% | 3,632 |
| Net interest margin | 3.3216% | 3,540 |
| Noninterest income to average assets | 0.2417% | 4,111 |
| Noninterest expense to average assets | 1.8563% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4596% | 858 |
| Return on assets (ROA) | 1.4596% | 934 |
| Pretax return on assets | 1.5340% | 1,223 |
| Return on Equity (ROE) | 13.9035% | 715 |
| Retained earnings to average equity (ytd only) | 3.8080% | 2,751 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7532% | 4,331 |
| Assets per employee ($millions) | 5.6560% | 1,966 |
| Cash dividends to net income (ytd only)* | 72.6115% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,085 |
| Loan loss allowance to noncurrent loans | 276.9912% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,830 |
| Noncurrent loans to loans | 0.3273% | 3,321 |
| Net loans and leases to total assets | 50.4030% | 4,223 |
| Net loans and leases to deposits | 57.5390% | 4,299 |
| Net loans and leases to core deposits | 59.1635% | 4,393 |
| Total domestic deposits to total assets | 87.5980% | 1,275 |
| Equity capital to assets | 9.7765% | 3,975 |
| Core capital (leverage) ratio | 10.4051% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6904% | 1,688 |
| Memoranda: | ||
| Average total assets | $129,074,000 | 3,594 |
| Average earning assets | $122,351,500 | 3,542 |
| Average equity | $13,550,500 | 3,830 |
| Average total loans | $67,953,500 | 3,805 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 3,884 |
| Cost of funding earning assets | 0.5378% | 3,933 |
| Net interest margin | 3.6321% | 3,027 |
| Noninterest income to average assets | 0.2929% | 3,934 |
| Noninterest expense to average assets | 2.0834% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5547% | 934 |
| Return on assets (ROA) | 1.5547% | 991 |
| Pretax return on assets | 1.6349% | 1,388 |
| Return on Equity (ROE) | 14.1359% | 874 |
| Retained earnings to average equity (ytd only) | 3.5208% | 3,246 |
| Net charge-offs to loans | 0.0060% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 494.0000% | 188 |
| Efficiency ratio | 56.0303% | 4,195 |
| Assets per employee ($millions) | 4.8962% | 2,709 |
| Cash dividends to net income (ytd only)* | 75.0931% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 3,806 |
| Loan loss allowance to noncurrent loans | 317.7665% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 3,837 |
| Noncurrent loans to loans | 0.2946% | 3,374 |
| Net loans and leases to total assets | 54.1126% | 4,069 |
| Net loans and leases to deposits | 62.7716% | 4,154 |
| Net loans and leases to core deposits | 64.3856% | 4,263 |
| Total domestic deposits to total assets | 86.2055% | 1,982 |
| Equity capital to assets | 11.2987% | 2,709 |
| Core capital (leverage) ratio | 10.3131% | 3,174 |
| Tier 1 risk-based capital ratio | 15.7585% | 2,488 |
| Total risk-based capital ratio | 16.5283% | 2,597 |
| Memoranda: | ||
| Average total assets | $120,863,000 | 3,685 |
| Average earning assets | $113,983,600 | 3,647 |
| Average equity | $13,292,400 | 3,856 |
| Average total loans | $67,066,200 | 3,834 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 4,003 |
| Cost of funding earning assets | 0.5195% | 4,063 |
| Net interest margin | 3.6457% | 3,110 |
| Noninterest income to average assets | 0.2855% | 4,027 |
| Noninterest expense to average assets | 2.0684% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5693% | 996 |
| Return on assets (ROA) | 1.5693% | 1,052 |
| Pretax return on assets | 1.6501% | 1,470 |
| Return on Equity (ROE) | 14.3686% | 915 |
| Retained earnings to average equity (ytd only) | 3.4655% | 3,675 |
| Net charge-offs to loans | 0.0079% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 372.9737% | 267 |
| Efficiency ratio | 55.6250% | 4,205 |
| Assets per employee ($millions) | 4.6179% | 3,019 |
| Cash dividends to net income (ytd only)* | 75.8815% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 3,881 |
| Loan loss allowance to noncurrent loans | 122.2656% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 2,868 |
| Noncurrent loans to loans | 0.7677% | 2,053 |
| Net loans and leases to total assets | 52.9900% | 4,256 |
| Net loans and leases to deposits | 61.0896% | 4,340 |
| Net loans and leases to core deposits | 62.4583% | 4,437 |
| Total domestic deposits to total assets | 86.7415% | 1,658 |
| Equity capital to assets | 11.1075% | 3,004 |
| Core capital (leverage) ratio | 10.6580% | 2,969 |
| Tier 1 risk-based capital ratio | 15.2309% | 2,749 |
| Total risk-based capital ratio | 15.9824% | 2,903 |
| Memoranda: | ||
| Average total assets | $120,477,750 | 3,732 |
| Average earning assets | $113,447,250 | 3,691 |
| Average equity | $13,158,000 | 3,913 |
| Average total loans | $67,117,250 | 3,874 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 3,946 |
| Cost of funding earning assets | 0.5196% | 4,038 |
| Net interest margin | 3.6731% | 3,018 |
| Noninterest income to average assets | 0.2855% | 4,032 |
| Noninterest expense to average assets | 2.0810% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5788% | 953 |
| Return on assets (ROA) | 1.5788% | 992 |
| Pretax return on assets | 1.6594% | 1,368 |
| Return on Equity (ROE) | 14.5425% | 868 |
| Retained earnings to average equity (ytd only) | 3.8831% | 3,305 |
| Net charge-offs to loans | 0.0119% | 2,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 328 |
| Efficiency ratio | 55.6354% | 4,289 |
| Assets per employee ($millions) | 4.1304% | 3,685 |
| Cash dividends to net income (ytd only)* | 73.2979% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 3,951 |
| Loan loss allowance to noncurrent loans | 276.9912% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 3,796 |
| Noncurrent loans to loans | 0.3369% | 3,334 |
| Net loans and leases to total assets | 57.4664% | 3,963 |
| Net loans and leases to deposits | 66.4563% | 4,064 |
| Net loans and leases to core deposits | 67.7137% | 4,222 |
| Total domestic deposits to total assets | 86.4723% | 1,831 |
| Equity capital to assets | 11.7222% | 2,417 |
| Core capital (leverage) ratio | 10.7315% | 2,861 |
| Tier 1 risk-based capital ratio | 15.4158% | 2,654 |
| Total risk-based capital ratio | 16.1819% | 2,793 |
| Memoranda: | ||
| Average total assets | $119,076,330 | 3,781 |
| Average earning assets | $112,002,000 | 3,740 |
| Average equity | $12,927,670 | 3,945 |
| Average total loans | $67,258,000 | 3,900 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 4,087 |
| Cost of funding earning assets | 0.5023% | 4,052 |
| Net interest margin | 3.6120% | 3,211 |
| Noninterest income to average assets | 0.2550% | 4,182 |
| Noninterest expense to average assets | 2.0797% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4803% | 1,153 |
| Return on assets (ROA) | 1.4803% | 1,175 |
| Pretax return on assets | 1.5564% | 1,590 |
| Return on Equity (ROE) | 14.1759% | 932 |
| Retained earnings to average equity (ytd only) | 2.8859% | 3,783 |
| Net charge-offs to loans | 0.0119% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 337 |
| Efficiency ratio | 57.1949% | 4,189 |
| Assets per employee ($millions) | 4.3398% | 3,431 |
| Cash dividends to net income (ytd only)* | 79.6421% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 4,000 |
| Loan loss allowance to noncurrent loans | 260.5809% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 3,819 |
| Noncurrent loans to loans | 0.3604% | 3,288 |
| Net loans and leases to total assets | 54.5065% | 4,175 |
| Net loans and leases to deposits | 62.8522% | 4,250 |
| Net loans and leases to core deposits | 63.8963% | 4,385 |
| Total domestic deposits to total assets | 86.7217% | 1,946 |
| Equity capital to assets | 10.5790% | 3,273 |
| Core capital (leverage) ratio | 10.5289% | 3,021 |
| Tier 1 risk-based capital ratio | 15.3276% | 2,742 |
| Total risk-based capital ratio | 16.1016% | 2,871 |
| Memoranda: | ||
| Average total assets | $120,788,500 | 3,792 |
| Average earning assets | $113,069,000 | 3,766 |
| Average equity | $12,613,000 | 3,993 |
| Average total loans | $67,343,500 | 3,938 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 4,046 |
| Cost of funding earning assets | 0.4020% | 3,976 |
| Net interest margin | 3.5921% | 3,409 |
| Noninterest income to average assets | 0.2873% | 4,182 |
| Noninterest expense to average assets | 2.0530% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5415% | 1,014 |
| Return on assets (ROA) | 1.5897% | 884 |
| Pretax return on assets | 1.6716% | 1,244 |
| Return on Equity (ROE) | 15.9957% | 632 |
| Retained earnings to average equity (ytd only) | 4.6867% | 2,940 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8824% | 4,423 |
| Assets per employee ($millions) | 4.2880% | 3,478 |
| Cash dividends to net income (ytd only)* | 70.7003% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 4,051 |
| Loan loss allowance to noncurrent loans | 248.0315% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,768 |
| Noncurrent loans to loans | 0.3745% | 3,194 |
| Net loans and leases to total assets | 55.9673% | 4,137 |
| Net loans and leases to deposits | 64.5625% | 4,217 |
| Net loans and leases to core deposits | 65.6397% | 4,379 |
| Total domestic deposits to total assets | 86.6870% | 1,925 |
| Equity capital to assets | 10.3038% | 3,372 |
| Core capital (leverage) ratio | 10.3769% | 3,163 |
| Tier 1 risk-based capital ratio | 15.0215% | 2,825 |
| Total risk-based capital ratio | 15.7880% | 2,962 |
| Memoranda: | ||
| Average total assets | $122,160,400 | 3,755 |
| Average earning assets | $115,168,600 | 3,733 |
| Average equity | $12,140,800 | 4,003 |
| Average total loans | $65,900,600 | 3,968 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,072 |
| Cost of funding earning assets | 0.3698% | 4,048 |
| Net interest margin | 3.5817% | 3,429 |
| Noninterest income to average assets | 0.2695% | 4,353 |
| Noninterest expense to average assets | 2.0453% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5238% | 1,138 |
| Return on assets (ROA) | 1.5878% | 992 |
| Pretax return on assets | 1.6704% | 1,345 |
| Return on Equity (ROE) | 16.1211% | 677 |
| Retained earnings to average equity (ytd only) | 5.0537% | 3,208 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0620% | 4,383 |
| Assets per employee ($millions) | 4.4053% | 3,263 |
| Cash dividends to net income (ytd only)* | 68.6517% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 4,088 |
| Loan loss allowance to noncurrent loans | 242.3077% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,893 |
| Noncurrent loans to loans | 0.3879% | 3,265 |
| Net loans and leases to total assets | 53.8245% | 4,369 |
| Net loans and leases to deposits | 60.9515% | 4,502 |
| Net loans and leases to core deposits | 61.9213% | 4,620 |
| Total domestic deposits to total assets | 88.3072% | 1,116 |
| Equity capital to assets | 9.6815% | 3,928 |
| Core capital (leverage) ratio | 10.2985% | 3,291 |
| Tier 1 risk-based capital ratio | 14.7580% | 2,990 |
| Total risk-based capital ratio | 15.5179% | 3,148 |
| Memoranda: | ||
| Average total assets | $122,684,750 | 3,787 |
| Average earning assets | $115,733,500 | 3,756 |
| Average equity | $12,083,250 | 4,046 |
| Average total loans | $65,419,250 | 4,010 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9135% | 4,036 |
| Cost of funding earning assets | 0.3274% | 4,224 |
| Net interest margin | 3.5861% | 3,368 |
| Noninterest income to average assets | 0.2629% | 4,431 |
| Noninterest expense to average assets | 2.0545% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5107% | 1,132 |
| Return on assets (ROA) | 1.5107% | 1,132 |
| Pretax return on assets | 1.5890% | 1,534 |
| Return on Equity (ROE) | 15.2510% | 802 |
| Retained earnings to average equity (ytd only) | 4.6660% | 3,256 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3873% | 4,431 |
| Assets per employee ($millions) | 4.4553% | 3,195 |
| Cash dividends to net income (ytd only)* | 69.4054% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,206 |
| Loan loss allowance to noncurrent loans | 233.3333% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 3,916 |
| Noncurrent loans to loans | 0.3984% | 3,258 |
| Net loans and leases to total assets | 53.8145% | 4,353 |
| Net loans and leases to deposits | 61.4625% | 4,455 |
| Net loans and leases to core deposits | 61.8618% | 4,606 |
| Total domestic deposits to total assets | 87.5566% | 1,613 |
| Equity capital to assets | 9.6987% | 3,919 |
| Core capital (leverage) ratio | 9.8283% | 3,757 |
| Tier 1 risk-based capital ratio | 14.4823% | 3,125 |
| Total risk-based capital ratio | 15.2389% | 3,289 |
| Memoranda: | ||
| Average total assets | $122,463,330 | 3,819 |
| Average earning assets | $115,447,000 | 3,784 |
| Average equity | $12,130,330 | 4,068 |
| Average total loans | $64,885,000 | 4,051 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8012% | 4,217 |
| Cost of funding earning assets | 0.2655% | 4,612 |
| Net interest margin | 3.5356% | 3,403 |
| Noninterest income to average assets | 0.2572% | 4,455 |
| Noninterest expense to average assets | 2.0837% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4342% | 1,244 |
| Return on assets (ROA) | 1.4342% | 1,249 |
| Pretax return on assets | 1.5100% | 1,664 |
| Return on Equity (ROE) | 14.3257% | 944 |
| Retained earnings to average equity (ytd only) | 3.9190% | 3,625 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9817% | 4,341 |
| Assets per employee ($millions) | 4.4151% | 3,299 |
| Cash dividends to net income (ytd only)* | 72.6437% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,122 |
| Loan loss allowance to noncurrent loans | 237.7358% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 4,023 |
| Noncurrent loans to loans | 0.4077% | 3,323 |
| Net loans and leases to total assets | 52.0732% | 4,430 |
| Net loans and leases to deposits | 59.7287% | 4,492 |
| Net loans and leases to core deposits | 60.4364% | 4,631 |
| Total domestic deposits to total assets | 87.1829% | 2,053 |
| Equity capital to assets | 9.7077% | 3,876 |
| Core capital (leverage) ratio | 10.1419% | 3,369 |
| Tier 1 risk-based capital ratio | 14.8056% | 2,980 |
| Total risk-based capital ratio | 15.5897% | 3,120 |
| Memoranda: | ||
| Average total assets | $121,320,500 | 3,880 |
| Average earning assets | $114,491,000 | 3,838 |
| Average equity | $12,146,000 | 4,094 |
| Average total loans | $63,446,000 | 4,116 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8434% | 3,906 |
| Cost of funding earning assets | 0.2803% | 4,308 |
| Net interest margin | 3.5630% | 3,296 |
| Noninterest income to average assets | 0.2527% | 4,621 |
| Noninterest expense to average assets | 2.0859% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4502% | 908 |
| Return on assets (ROA) | 1.4517% | 915 |
| Pretax return on assets | 1.5269% | 1,534 |
| Return on Equity (ROE) | 14.2832% | 720 |
| Retained earnings to average equity (ytd only) | 3.8430% | 2,912 |
| Net charge-offs to loans | -0.2121% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7635% | 4,552 |
| Assets per employee ($millions) | 4.1040% | 3,806 |
| Cash dividends to net income (ytd only)* | 73.0944% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,826 |
| Loan loss allowance to noncurrent loans | 229.9270% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,989 |
| Noncurrent loans to loans | 0.4427% | 3,195 |
| Net loans and leases to total assets | 51.4691% | 4,556 |
| Net loans and leases to deposits | 58.7107% | 4,659 |
| Net loans and leases to core deposits | 59.4295% | 4,783 |
| Total domestic deposits to total assets | 87.6656% | 1,672 |
| Equity capital to assets | 10.3271% | 3,355 |
| Core capital (leverage) ratio | 9.9373% | 3,535 |
| Tier 1 risk-based capital ratio | 14.8002% | 2,930 |
| Total risk-based capital ratio | 15.5920% | 3,083 |
| Memoranda: | ||
| Average total assets | $121,096,600 | 3,876 |
| Average earning assets | $114,144,400 | 3,839 |
| Average equity | $12,308,200 | 4,087 |
| Average total loans | $61,282,800 | 4,172 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 4,141 |
| Cost of funding earning assets | 0.2800% | 4,314 |
| Net interest margin | 3.4799% | 3,568 |
| Noninterest income to average assets | 0.2686% | 4,586 |
| Noninterest expense to average assets | 2.0764% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4034% | 1,077 |
| Return on assets (ROA) | 1.4055% | 1,097 |
| Pretax return on assets | 1.4778% | 1,853 |
| Return on Equity (ROE) | 13.8826% | 860 |
| Retained earnings to average equity (ytd only) | 3.7360% | 3,702 |
| Net charge-offs to loans | -0.0022% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4568% | 4,441 |
| Assets per employee ($millions) | 4.1831% | 3,680 |
| Cash dividends to net income (ytd only)* | 73.0888% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,841 |
| Loan loss allowance to noncurrent loans | 113.8636% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,578 |
| Noncurrent loans to loans | 0.7199% | 2,559 |
| Net loans and leases to total assets | 49.9732% | 4,702 |
| Net loans and leases to deposits | 56.8905% | 4,818 |
| Net loans and leases to core deposits | 57.5713% | 4,930 |
| Total domestic deposits to total assets | 87.8410% | 1,448 |
| Equity capital to assets | 10.4452% | 3,426 |
| Core capital (leverage) ratio | 10.0506% | 3,508 |
| Tier 1 risk-based capital ratio | 14.5531% | 3,155 |
| Total risk-based capital ratio | 15.1790% | 3,406 |
| Memoranda: | ||
| Average total assets | $121,616,500 | 3,905 |
| Average earning assets | $114,750,750 | 3,870 |
| Average equity | $12,312,500 | 4,124 |
| Average total loans | $61,131,750 | 4,214 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 4,134 |
| Cost of funding earning assets | 0.2830% | 4,257 |
| Net interest margin | 3.4465% | 3,605 |
| Noninterest income to average assets | 0.2662% | 4,635 |
| Noninterest expense to average assets | 2.0588% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3967% | 1,081 |
| Return on assets (ROA) | 1.3967% | 1,103 |
| Pretax return on assets | 1.4690% | 1,764 |
| Return on Equity (ROE) | 13.9424% | 819 |
| Retained earnings to average equity (ytd only) | 3.9039% | 3,377 |
| Net charge-offs to loans | -0.0033% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3605% | 4,550 |
| Assets per employee ($millions) | 4.1222% | 3,746 |
| Cash dividends to net income (ytd only)* | 72.0000% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 4,912 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,624 |
| Noncurrent loans to loans | 0.2717% | 4,069 |
| Net loans and leases to total assets | 51.0068% | 4,643 |
| Net loans and leases to deposits | 58.5089% | 4,729 |
| Net loans and leases to core deposits | 59.3720% | 4,856 |
| Total domestic deposits to total assets | 87.1778% | 1,863 |
| Equity capital to assets | 10.6313% | 3,194 |
| Core capital (leverage) ratio | 9.6715% | 3,934 |
| Tier 1 risk-based capital ratio | 14.8462% | 2,995 |
| Total risk-based capital ratio | 15.4906% | 3,209 |
| Memoranda: | ||
| Average total assets | $121,719,000 | 3,935 |
| Average earning assets | $115,190,000 | 3,893 |
| Average equity | $12,193,000 | 4,157 |
| Average total loans | $61,134,670 | 4,236 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,253 |
| Cost of funding earning assets | 0.2781% | 4,271 |
| Net interest margin | 3.3786% | 3,722 |
| Noninterest income to average assets | 0.2801% | 4,549 |
| Noninterest expense to average assets | 2.0357% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3778% | 1,038 |
| Return on assets (ROA) | 1.3778% | 1,075 |
| Pretax return on assets | 1.4494% | 1,698 |
| Return on Equity (ROE) | 14.1768% | 770 |
| Retained earnings to average equity (ytd only) | 3.8542% | 3,525 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4112% | 4,670 |
| Assets per employee ($millions) | 4.3080% | 3,493 |
| Cash dividends to net income (ytd only)* | 72.8132% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,996 |
| Loan loss allowance to noncurrent loans | 294.1176% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 4,719 |
| Noncurrent loans to loans | 0.2805% | 4,111 |
| Net loans and leases to total assets | 48.1114% | 4,814 |
| Net loans and leases to deposits | 54.8037% | 4,894 |
| Net loans and leases to core deposits | 55.6996% | 4,993 |
| Total domestic deposits to total assets | 87.7885% | 1,835 |
| Equity capital to assets | 9.7286% | 4,035 |
| Core capital (leverage) ratio | 9.7118% | 3,862 |
| Tier 1 risk-based capital ratio | 14.7456% | 3,096 |
| Total risk-based capital ratio | 15.3913% | 3,313 |
| Memoranda: | ||
| Average total assets | $122,807,000 | 3,956 |
| Average earning assets | $116,499,000 | 3,908 |
| Average equity | $11,935,000 | 4,224 |
| Average total loans | $60,964,000 | 4,272 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 4,029 |
| Cost of funding earning assets | 0.2990% | 4,076 |
| Net interest margin | 3.4589% | 3,589 |
| Noninterest income to average assets | 0.2685% | 4,805 |
| Noninterest expense to average assets | 2.0067% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4743% | 879 |
| Return on assets (ROA) | 1.5886% | 724 |
| Pretax return on assets | 1.6710% | 1,077 |
| Return on Equity (ROE) | 15.8670% | 520 |
| Retained earnings to average equity (ytd only) | 4.1368% | 2,962 |
| Net charge-offs to loans | 0.0666% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 47.7561% | 1,038 |
| Efficiency ratio | 56.4114% | 5,023 |
| Assets per employee ($millions) | 4.1615% | 3,684 |
| Cash dividends to net income (ytd only)* | 73.9282% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 5,067 |
| Loan loss allowance to noncurrent loans | 289.0173% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,637 |
| Noncurrent loans to loans | 0.2821% | 4,146 |
| Net loans and leases to total assets | 50.3982% | 4,738 |
| Net loans and leases to deposits | 56.8090% | 4,865 |
| Net loans and leases to core deposits | 57.7601% | 4,979 |
| Total domestic deposits to total assets | 88.7151% | 1,260 |
| Equity capital to assets | 9.7081% | 4,056 |
| Core capital (leverage) ratio | 9.4220% | 4,198 |
| Tier 1 risk-based capital ratio | 14.4866% | 3,201 |
| Total risk-based capital ratio | 15.1273% | 3,451 |
| Memoranda: | ||
| Average total assets | $126,274,000 | 3,891 |
| Average earning assets | $120,066,600 | 3,827 |
| Average equity | $12,642,600 | 4,147 |
| Average total loans | $61,536,200 | 4,244 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 3,997 |
| Cost of funding earning assets | 0.2977% | 4,124 |
| Net interest margin | 3.4784% | 3,548 |
| Noninterest income to average assets | 0.2611% | 4,900 |
| Noninterest expense to average assets | 2.0082% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4830% | 910 |
| Return on assets (ROA) | 1.5644% | 816 |
| Pretax return on assets | 1.6448% | 1,265 |
| Return on Equity (ROE) | 15.5138% | 611 |
| Retained earnings to average equity (ytd only) | 4.1633% | 3,356 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2939% | 5,030 |
| Assets per employee ($millions) | 4.1404% | 3,713 |
| Cash dividends to net income (ytd only)* | 73.1645% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,921 |
| Loan loss allowance to noncurrent loans | 181.5436% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 4,481 |
| Noncurrent loans to loans | 0.4865% | 3,548 |
| Net loans and leases to total assets | 48.8765% | 4,902 |
| Net loans and leases to deposits | 55.7550% | 5,013 |
| Net loans and leases to core deposits | 58.8686% | 5,005 |
| Total domestic deposits to total assets | 87.6629% | 1,582 |
| Equity capital to assets | 10.6311% | 3,425 |
| Core capital (leverage) ratio | 9.1507% | 4,659 |
| Tier 1 risk-based capital ratio | 14.2628% | 3,423 |
| Total risk-based capital ratio | 14.9528% | 3,658 |
| Memoranda: | ||
| Average total assets | $127,671,750 | 3,893 |
| Average earning assets | $121,354,000 | 3,826 |
| Average equity | $12,874,250 | 4,143 |
| Average total loans | $61,589,750 | 4,271 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7613% | 4,088 |
| Cost of funding earning assets | 0.2905% | 4,245 |
| Net interest margin | 3.4708% | 3,608 |
| Noninterest income to average assets | 0.2375% | 5,064 |
| Noninterest expense to average assets | 1.9872% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4764% | 930 |
| Return on assets (ROA) | 1.4764% | 981 |
| Pretax return on assets | 1.5525% | 1,516 |
| Return on Equity (ROE) | 14.9013% | 683 |
| Retained earnings to average equity (ytd only) | 4.2306% | 3,221 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1404% | 5,131 |
| Assets per employee ($millions) | 4.2388% | 3,484 |
| Cash dividends to net income (ytd only)* | 71.6088% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 5,060 |
| Loan loss allowance to noncurrent loans | 193.9068% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 4,615 |
| Noncurrent loans to loans | 0.4482% | 3,762 |
| Net loans and leases to total assets | 48.5247% | 4,947 |
| Net loans and leases to deposits | 57.3375% | 4,938 |
| Net loans and leases to core deposits | 60.5774% | 4,955 |
| Total domestic deposits to total assets | 84.6301% | 3,033 |
| Equity capital to assets | 10.5871% | 3,543 |
| Core capital (leverage) ratio | 8.7226% | 5,144 |
| Tier 1 risk-based capital ratio | 14.0741% | 3,561 |
| Total risk-based capital ratio | 14.7632% | 3,803 |
| Memoranda: | ||
| Average total assets | $128,825,330 | 3,905 |
| Average earning assets | $122,564,000 | 3,835 |
| Average equity | $12,764,000 | 4,188 |
| Average total loans | $61,702,670 | 4,292 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 4,186 |
| Cost of funding earning assets | 0.2953% | 4,213 |
| Net interest margin | 3.4399% | 3,712 |
| Noninterest income to average assets | 0.2345% | 5,067 |
| Noninterest expense to average assets | 1.9806% | 5,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4500% | 943 |
| Return on assets (ROA) | 1.4500% | 988 |
| Pretax return on assets | 1.5240% | 1,519 |
| Return on Equity (ROE) | 15.1436% | 648 |
| Retained earnings to average equity (ytd only) | 3.8664% | 3,566 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5141% | 5,150 |
| Assets per employee ($millions) | 4.3581% | 3,308 |
| Cash dividends to net income (ytd only)* | 74.4681% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 5,152 |
| Loan loss allowance to noncurrent loans | 191.8440% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 4,699 |
| Noncurrent loans to loans | 0.4533% | 3,819 |
| Net loans and leases to total assets | 47.1673% | 5,032 |
| Net loans and leases to deposits | 53.0409% | 5,163 |
| Net loans and leases to core deposits | 55.8592% | 5,137 |
| Total domestic deposits to total assets | 88.9264% | 1,142 |
| Equity capital to assets | 9.6472% | 4,505 |
| Core capital (leverage) ratio | 8.6105% | 5,282 |
| Tier 1 risk-based capital ratio | 13.6283% | 3,913 |
| Total risk-based capital ratio | 14.3046% | 4,144 |
| Memoranda: | ||
| Average total assets | $129,656,000 | 3,918 |
| Average earning assets | $123,259,500 | 3,842 |
| Average equity | $12,414,500 | 4,260 |
| Average total loans | $61,430,500 | 4,332 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,069 |
| Cost of funding earning assets | 0.3078% | 4,169 |
| Net interest margin | 3.4843% | 3,577 |
| Noninterest income to average assets | 0.2615% | 5,019 |
| Noninterest expense to average assets | 1.9599% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5271% | 818 |
| Return on assets (ROA) | 1.6750% | 621 |
| Pretax return on assets | 1.7614% | 871 |
| Return on Equity (ROE) | 17.8729% | 390 |
| Retained earnings to average equity (ytd only) | 4.7091% | 2,638 |
| Net charge-offs to loans | -0.0445% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9662% | 5,444 |
| Assets per employee ($millions) | 4.2856% | 3,418 |
| Cash dividends to net income (ytd only)* | 73.6524% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 5,112 |
| Loan loss allowance to noncurrent loans | 193.2143% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,728 |
| Noncurrent loans to loans | 0.4617% | 3,818 |
| Net loans and leases to total assets | 46.7539% | 5,111 |
| Net loans and leases to deposits | 52.5818% | 5,256 |
| Net loans and leases to core deposits | 55.4243% | 5,231 |
| Total domestic deposits to total assets | 88.9165% | 1,158 |
| Equity capital to assets | 9.5015% | 4,548 |
| Core capital (leverage) ratio | 8.5027% | 5,433 |
| Tier 1 risk-based capital ratio | 13.2469% | 4,139 |
| Total risk-based capital ratio | 13.9117% | 4,432 |
| Memoranda: | ||
| Average total assets | $128,474,800 | 3,917 |
| Average earning assets | $121,832,600 | 3,843 |
| Average equity | $12,040,600 | 4,299 |
| Average total loans | $58,399,000 | 4,415 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,065 |
| Cost of funding earning assets | 0.3067% | 4,259 |
| Net interest margin | 3.5009% | 3,530 |
| Noninterest income to average assets | 0.2616% | 5,066 |
| Noninterest expense to average assets | 1.9587% | 5,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5404% | 865 |
| Return on assets (ROA) | 1.6400% | 728 |
| Pretax return on assets | 1.7251% | 1,041 |
| Return on Equity (ROE) | 17.5598% | 434 |
| Retained earnings to average equity (ytd only) | 4.8123% | 3,042 |
| Net charge-offs to loans | -0.0599% | 5,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7274% | 5,458 |
| Assets per employee ($millions) | 4.2585% | 3,408 |
| Cash dividends to net income (ytd only)* | 72.5953% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 5,198 |
| Loan loss allowance to noncurrent loans | 289.3048% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 5,175 |
| Noncurrent loans to loans | 0.3117% | 4,481 |
| Net loans and leases to total assets | 46.5324% | 5,192 |
| Net loans and leases to deposits | 54.1792% | 5,244 |
| Net loans and leases to core deposits | 56.2636% | 5,296 |
| Total domestic deposits to total assets | 85.8862% | 2,595 |
| Equity capital to assets | 9.4893% | 4,763 |
| Core capital (leverage) ratio | 8.5715% | 5,493 |
| Tier 1 risk-based capital ratio | 13.3560% | 4,216 |
| Total risk-based capital ratio | 14.0346% | 4,466 |
| Memoranda: | ||
| Average total assets | $128,451,250 | 3,963 |
| Average earning assets | $121,718,500 | 3,886 |
| Average equity | $11,996,750 | 4,354 |
| Average total loans | $57,835,750 | 4,476 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 4,073 |
| Cost of funding earning assets | 0.3078% | 4,316 |
| Net interest margin | 3.4906% | 3,537 |
| Noninterest income to average assets | 0.2596% | 5,096 |
| Noninterest expense to average assets | 1.9769% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5177% | 873 |
| Return on assets (ROA) | 1.6506% | 712 |
| Pretax return on assets | 1.7360% | 1,010 |
| Return on Equity (ROE) | 17.7671% | 425 |
| Retained earnings to average equity (ytd only) | 5.2364% | 2,712 |
| Net charge-offs to loans | 0.0035% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1,027.0000% | 54 |
| Efficiency ratio | 55.3284% | 5,488 |
| Assets per employee ($millions) | 4.0765% | 3,729 |
| Cash dividends to net income (ytd only)* | 70.5273% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 5,369 |
| Loan loss allowance to noncurrent loans | 170.7641% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 4,926 |
| Noncurrent loans to loans | 0.5151% | 3,911 |
| Net loans and leases to total assets | 45.8341% | 5,259 |
| Net loans and leases to deposits | 54.5519% | 5,222 |
| Net loans and leases to core deposits | 56.7219% | 5,268 |
| Total domestic deposits to total assets | 84.0193% | 3,554 |
| Equity capital to assets | 9.1556% | 5,080 |
| Core capital (leverage) ratio | 8.3372% | 5,688 |
| Tier 1 risk-based capital ratio | 13.3269% | 4,331 |
| Total risk-based capital ratio | 13.9777% | 4,586 |
| Memoranda: | ||
| Average total assets | $128,683,670 | 3,989 |
| Average earning assets | $122,157,670 | 3,910 |
| Average equity | $11,954,670 | 4,389 |
| Average total loans | $57,118,330 | 4,537 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,174 |
| Cost of funding earning assets | 0.3077% | 4,357 |
| Net interest margin | 3.4491% | 3,632 |
| Noninterest income to average assets | 0.2434% | 5,230 |
| Noninterest expense to average assets | 1.9131% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5314% | 802 |
| Return on assets (ROA) | 1.5958% | 745 |
| Pretax return on assets | 1.6790% | 1,094 |
| Return on Equity (ROE) | 17.0577% | 466 |
| Retained earnings to average equity (ytd only) | 4.2150% | 3,479 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2832% | 5,652 |
| Assets per employee ($millions) | 4.1767% | 3,602 |
| Cash dividends to net income (ytd only)* | 75.2896% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 5,431 |
| Loan loss allowance to noncurrent loans | 169.9670% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 4,995 |
| Noncurrent loans to loans | 0.5320% | 3,982 |
| Net loans and leases to total assets | 43.5904% | 5,379 |
| Net loans and leases to deposits | 52.8099% | 5,281 |
| Net loans and leases to core deposits | 53.0905% | 5,419 |
| Total domestic deposits to total assets | 82.5422% | 4,331 |
| Equity capital to assets | 9.5885% | 4,647 |
| Core capital (leverage) ratio | 8.1154% | 5,874 |
| Tier 1 risk-based capital ratio | 13.2411% | 4,469 |
| Total risk-based capital ratio | 13.9005% | 4,730 |
| Memoranda: | ||
| Average total assets | $129,840,000 | 3,992 |
| Average earning assets | $123,510,000 | 3,916 |
| Average equity | $12,147,000 | 4,390 |
| Average total loans | $56,460,000 | 4,592 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 4,333 |
| Cost of funding earning assets | 0.3569% | 4,176 |
| Net interest margin | 3.4900% | 3,836 |
| Noninterest income to average assets | 0.3415% | 4,660 |
| Noninterest expense to average assets | 1.9548% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6151% | 689 |
| Return on assets (ROA) | 1.6648% | 647 |
| Pretax return on assets | 1.7480% | 896 |
| Return on Equity (ROE) | 19.2209% | 300 |
| Retained earnings to average equity (ytd only) | 5.8001% | 2,068 |
| Net charge-offs to loans | 0.2310% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.1200% | 1,958 |
| Efficiency ratio | 53.5489% | 5,879 |
| Assets per employee ($millions) | 4.2001% | 3,547 |
| Cash dividends to net income (ytd only)* | 69.8239% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 5,401 |
| Loan loss allowance to noncurrent loans | 166.1290% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 5,065 |
| Noncurrent loans to loans | 0.5539% | 4,003 |
| Net loans and leases to total assets | 42.5877% | 5,575 |
| Net loans and leases to deposits | 50.7454% | 5,545 |
| Net loans and leases to core deposits | 51.0087% | 5,666 |
| Total domestic deposits to total assets | 83.9242% | 3,748 |
| Equity capital to assets | 9.1235% | 5,159 |
| Core capital (leverage) ratio | 7.8277% | 6,089 |
| Tier 1 risk-based capital ratio | 12.0440% | 5,335 |
| Total risk-based capital ratio | 12.6516% | 5,637 |
| Memoranda: | ||
| Average total assets | $126,199,000 | 4,056 |
| Average earning assets | $119,656,600 | 3,979 |
| Average equity | $10,930,800 | 4,577 |
| Average total loans | $54,106,600 | 4,688 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 4,285 |
| Cost of funding earning assets | 0.3638% | 4,197 |
| Net interest margin | 3.5053% | 3,808 |
| Noninterest income to average assets | 0.3546% | 4,602 |
| Noninterest expense to average assets | 1.9648% | 5,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6237% | 710 |
| Return on assets (ROA) | 1.6986% | 644 |
| Pretax return on assets | 1.7827% | 920 |
| Return on Equity (ROE) | 19.8865% | 289 |
| Retained earnings to average equity (ytd only) | 6.4584% | 2,126 |
| Net charge-offs to loans | 0.0050% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 798.9813% | 90 |
| Efficiency ratio | 53.5559% | 5,868 |
| Assets per employee ($millions) | 4.2187% | 3,442 |
| Cash dividends to net income (ytd only)* | 67.5234% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 4,305 |
| Loan loss allowance to noncurrent loans | 147.3441% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 4,945 |
| Noncurrent loans to loans | 0.8046% | 3,566 |
| Net loans and leases to total assets | 40.6603% | 5,775 |
| Net loans and leases to deposits | 45.8323% | 5,873 |
| Net loans and leases to core deposits | 46.0562% | 5,955 |
| Total domestic deposits to total assets | 88.7155% | 1,393 |
| Equity capital to assets | 8.7360% | 5,614 |
| Core capital (leverage) ratio | 7.8660% | 6,152 |
| Tier 1 risk-based capital ratio | 12.3240% | 5,282 |
| Total risk-based capital ratio | 13.1032% | 5,502 |
| Memoranda: | ||
| Average total assets | $125,198,250 | 4,117 |
| Average earning assets | $118,371,250 | 4,029 |
| Average equity | $10,693,750 | 4,646 |
| Average total loans | $53,642,000 | 4,746 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,085 |
| Cost of funding earning assets | 0.3735% | 4,172 |
| Net interest margin | 3.5400% | 3,611 |
| Noninterest income to average assets | 0.4021% | 4,226 |
| Noninterest expense to average assets | 2.0221% | 5,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6496% | 639 |
| Return on assets (ROA) | 1.6897% | 618 |
| Pretax return on assets | 1.7724% | 891 |
| Return on Equity (ROE) | 19.9426% | 293 |
| Retained earnings to average equity (ytd only) | 6.5455% | 2,011 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8894% | 5,920 |
| Assets per employee ($millions) | 4.0750% | 3,691 |
| Cash dividends to net income (ytd only)* | 67.1785% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 4,429 |
| Loan loss allowance to noncurrent loans | 138.8286% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 4,890 |
| Noncurrent loans to loans | 0.8636% | 3,541 |
| Net loans and leases to total assets | 43.1427% | 5,590 |
| Net loans and leases to deposits | 49.9285% | 5,640 |
| Net loans and leases to core deposits | 50.6006% | 5,762 |
| Total domestic deposits to total assets | 86.4090% | 2,815 |
| Equity capital to assets | 9.0503% | 5,250 |
| Core capital (leverage) ratio | 8.0153% | 6,087 |
| Tier 1 risk-based capital ratio | 12.5467% | 5,199 |
| Total risk-based capital ratio | 13.3565% | 5,403 |
| Memoranda: | ||
| Average total assets | $123,337,330 | 4,175 |
| Average earning assets | $116,721,670 | 4,094 |
| Average equity | $10,450,000 | 4,715 |
| Average total loans | $53,584,670 | 4,760 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 4,185 |
| Cost of funding earning assets | 0.3820% | 4,174 |
| Net interest margin | 3.4961% | 3,713 |
| Noninterest income to average assets | 0.4843% | 3,533 |
| Noninterest expense to average assets | 2.0213% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6963% | 581 |
| Return on assets (ROA) | 1.7242% | 570 |
| Pretax return on assets | 1.8017% | 797 |
| Return on Equity (ROE) | 21.0589% | 239 |
| Retained earnings to average equity (ytd only) | 6.8224% | 2,135 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2766% | 6,070 |
| Assets per employee ($millions) | 4.1145% | 3,696 |
| Cash dividends to net income (ytd only)* | 67.6030% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 4,749 |
| Loan loss allowance to noncurrent loans | 198.1424% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 5,397 |
| Noncurrent loans to loans | 0.5940% | 4,379 |
| Net loans and leases to total assets | 43.5342% | 5,553 |
| Net loans and leases to deposits | 49.5153% | 5,628 |
| Net loans and leases to core deposits | 50.1638% | 5,752 |
| Total domestic deposits to total assets | 87.9207% | 2,277 |
| Equity capital to assets | 8.4952% | 5,659 |
| Core capital (leverage) ratio | 7.8889% | 6,183 |
| Tier 1 risk-based capital ratio | 12.2928% | 5,444 |
| Total risk-based capital ratio | 13.1001% | 5,664 |
| Memoranda: | ||
| Average total assets | $123,881,000 | 4,195 |
| Average earning assets | $117,272,000 | 4,108 |
| Average equity | $10,143,000 | 4,790 |
| Average total loans | $53,686,000 | 4,803 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 5,259 |
| Cost of funding earning assets | 0.4666% | 3,951 |
| Net interest margin | 3.1899% | 5,034 |
| Noninterest income to average assets | 0.2703% | 5,418 |
| Noninterest expense to average assets | 1.8608% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3606% | 1,108 |
| Return on assets (ROA) | 1.3606% | 1,157 |
| Pretax return on assets | 1.4310% | 1,681 |
| Return on Equity (ROE) | 16.2105% | 597 |
| Retained earnings to average equity (ytd only) | 4.4263% | 3,023 |
| Net charge-offs to loans | 0.1556% | 3,250 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 21.8272% | 1,477 |
| Efficiency ratio | 56.5282% | 5,890 |
| Assets per employee ($millions) | 4.0106% | 3,844 |
| Cash dividends to net income (ytd only)* | 72.6948% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 4,621 |
| Loan loss allowance to noncurrent loans | 195.7187% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 5,475 |
| Noncurrent loans to loans | 0.6170% | 4,433 |
| Net loans and leases to total assets | 42.1112% | 5,818 |
| Net loans and leases to deposits | 47.8412% | 5,907 |
| Net loans and leases to core deposits | 48.4603% | 6,007 |
| Total domestic deposits to total assets | 88.0228% | 2,167 |
| Equity capital to assets | 7.8824% | 6,097 |
| Core capital (leverage) ratio | 7.7462% | 6,279 |
| Tier 1 risk-based capital ratio | 12.2141% | 5,485 |
| Total risk-based capital ratio | 13.0301% | 5,683 |
| Memoranda: | ||
| Average total assets | $123,550,000 | 4,194 |
| Average earning assets | $117,027,000 | 4,109 |
| Average equity | $10,369,800 | 4,771 |
| Average total loans | $52,069,600 | 4,887 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 5,418 |
| Cost of funding earning assets | 0.4860% | 3,901 |
| Net interest margin | 3.1226% | 5,257 |
| Noninterest income to average assets | 0.2756% | 5,474 |
| Noninterest expense to average assets | 1.8612% | 6,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3057% | 1,342 |
| Return on assets (ROA) | 1.3057% | 1,395 |
| Pretax return on assets | 1.3727% | 2,026 |
| Return on Equity (ROE) | 15.3215% | 746 |
| Retained earnings to average equity (ytd only) | 3.6147% | 4,119 |
| Net charge-offs to loans | 0.2083% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.6786% | 1,847 |
| Efficiency ratio | 57.5535% | 5,742 |
| Assets per employee ($millions) | 4.0300% | 3,769 |
| Cash dividends to net income (ytd only)* | 76.4074% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 4,699 |
| Loan loss allowance to noncurrent loans | 182.8571% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 5,600 |
| Noncurrent loans to loans | 0.6770% | 4,507 |
| Net loans and leases to total assets | 40.8693% | 5,973 |
| Net loans and leases to deposits | 45.4313% | 6,132 |
| Net loans and leases to core deposits | 46.0036% | 6,210 |
| Total domestic deposits to total assets | 89.9584% | 1,022 |
| Equity capital to assets | 7.7892% | 6,263 |
| Core capital (leverage) ratio | 7.7726% | 6,340 |
| Tier 1 risk-based capital ratio | 12.1349% | 5,695 |
| Total risk-based capital ratio | 12.9606% | 5,904 |
| Memoranda: | ||
| Average total assets | $123,355,500 | 4,238 |
| Average earning assets | $116,865,250 | 4,151 |
| Average equity | $10,512,250 | 4,791 |
| Average total loans | $51,838,000 | 4,939 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 5,478 |
| Cost of funding earning assets | 0.5089% | 3,813 |
| Net interest margin | 3.0776% | 5,340 |
| Noninterest income to average assets | 0.2784% | 5,464 |
| Noninterest expense to average assets | 1.8236% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3124% | 1,293 |
| Return on assets (ROA) | 1.3124% | 1,376 |
| Pretax return on assets | 1.3791% | 2,007 |
| Return on Equity (ROE) | 14.9638% | 816 |
| Retained earnings to average equity (ytd only) | 3.3047% | 4,210 |
| Net charge-offs to loans | 0.3508% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.3077% | 2,302 |
| Efficiency ratio | 56.9395% | 5,860 |
| Assets per employee ($millions) | 3.9202% | 3,984 |
| Cash dividends to net income (ytd only)* | 77.9156% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 4,983 |
| Loan loss allowance to noncurrent loans | 178.4703% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 5,606 |
| Noncurrent loans to loans | 0.6733% | 4,589 |
| Net loans and leases to total assets | 42.6213% | 5,858 |
| Net loans and leases to deposits | 47.8052% | 5,990 |
| Net loans and leases to core deposits | 48.6334% | 6,099 |
| Total domestic deposits to total assets | 89.1562% | 1,535 |
| Equity capital to assets | 8.2180% | 6,045 |
| Core capital (leverage) ratio | 7.4759% | 6,466 |
| Tier 1 risk-based capital ratio | 12.1538% | 5,710 |
| Total risk-based capital ratio | 12.9772% | 5,931 |
| Memoranda: | ||
| Average total assets | $122,830,670 | 4,283 |
| Average earning assets | $116,713,330 | 4,185 |
| Average equity | $10,772,670 | 4,774 |
| Average total loans | $51,884,670 | 4,954 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 5,416 |
| Cost of funding earning assets | 0.5363% | 3,717 |
| Net interest margin | 3.0778% | 5,337 |
| Noninterest income to average assets | 0.2851% | 5,425 |
| Noninterest expense to average assets | 1.8075% | 6,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3281% | 1,211 |
| Return on assets (ROA) | 1.3281% | 1,312 |
| Pretax return on assets | 1.3961% | 1,868 |
| Return on Equity (ROE) | 14.6881% | 823 |
| Retained earnings to average equity (ytd only) | 2.6152% | 4,715 |
| Net charge-offs to loans | 0.0077% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 431.0000% | 78 |
| Efficiency ratio | 56.4206% | 6,021 |
| Assets per employee ($millions) | 3.9776% | 3,999 |
| Cash dividends to net income (ytd only)* | 82.1951% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,204 |
| Loan loss allowance to noncurrent loans | 164.7597% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 5,529 |
| Noncurrent loans to loans | 0.8528% | 4,411 |
| Net loans and leases to total assets | 40.9709% | 5,924 |
| Net loans and leases to deposits | 45.8993% | 6,058 |
| Net loans and leases to core deposits | 47.0952% | 6,147 |
| Total domestic deposits to total assets | 89.2626% | 1,517 |
| Equity capital to assets | 9.0198% | 5,462 |
| Core capital (leverage) ratio | 7.5259% | 6,457 |
| Tier 1 risk-based capital ratio | 12.2394% | 5,763 |
| Total risk-based capital ratio | 13.1980% | 5,911 |
| Memoranda: | ||
| Average total assets | $123,483,000 | 4,318 |
| Average earning assets | $117,098,500 | 4,216 |
| Average equity | $11,165,500 | 4,742 |
| Average total loans | $51,614,000 | 5,002 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 5,339 |
| Cost of funding earning assets | 0.6774% | 3,667 |
| Net interest margin | 3.3123% | 5,205 |
| Noninterest income to average assets | 0.3543% | 4,933 |
| Noninterest expense to average assets | 1.8558% | 6,544 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5535% | 825 |
| Return on assets (ROA) | 1.5599% | 895 |
| Pretax return on assets | 1.6399% | 1,282 |
| Return on Equity (ROE) | 16.9847% | 540 |
| Retained earnings to average equity (ytd only) | 3.9307% | 3,438 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1900% | 6,358 |
| Assets per employee ($millions) | 3.9890% | 3,970 |
| Cash dividends to net income (ytd only)* | 76.8573% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 4,229 |
| Loan loss allowance to noncurrent loans | 218.4848% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 5,879 |
| Noncurrent loans to loans | 0.6348% | 4,932 |
| Net loans and leases to total assets | 41.4584% | 6,050 |
| Net loans and leases to deposits | 45.7917% | 6,265 |
| Net loans and leases to core deposits | 47.1772% | 6,318 |
| Total domestic deposits to total assets | 90.5369% | 687 |
| Equity capital to assets | 9.0644% | 5,448 |
| Core capital (leverage) ratio | 7.5007% | 6,504 |
| Tier 1 risk-based capital ratio | 12.2131% | 5,649 |
| Total risk-based capital ratio | 13.1786% | 5,787 |
| Memoranda: | ||
| Average total assets | $119,947,000 | 4,365 |
| Average earning assets | $113,514,600 | 4,265 |
| Average equity | $11,015,800 | 4,759 |
| Average total loans | $51,362,600 | 5,049 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 5,211 |
| Cost of funding earning assets | 0.7013% | 3,762 |
| Net interest margin | 3.3928% | 5,058 |
| Noninterest income to average assets | 0.3327% | 5,144 |
| Noninterest expense to average assets | 1.8854% | 6,545 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5800% | 894 |
| Return on assets (ROA) | 1.5885% | 967 |
| Pretax return on assets | 1.6703% | 1,362 |
| Return on Equity (ROE) | 17.2384% | 583 |
| Retained earnings to average equity (ytd only) | 3.8659% | 4,168 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1586% | 6,335 |
| Assets per employee ($millions) | 3.9721% | 3,928 |
| Cash dividends to net income (ytd only)* | 77.5740% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 4,209 |
| Loan loss allowance to noncurrent loans | 217.8248% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 6,007 |
| Noncurrent loans to loans | 0.6595% | 5,124 |
| Net loans and leases to total assets | 41.5125% | 6,161 |
| Net loans and leases to deposits | 46.1361% | 6,374 |
| Net loans and leases to core deposits | 47.7435% | 6,434 |
| Total domestic deposits to total assets | 89.9785% | 854 |
| Equity capital to assets | 9.5675% | 5,116 |
| Core capital (leverage) ratio | 7.6119% | 6,558 |
| Tier 1 risk-based capital ratio | 12.4713% | 5,664 |
| Total risk-based capital ratio | 13.4697% | 5,797 |
| Memoranda: | ||
| Average total assets | $119,019,000 | 4,423 |
| Average earning assets | $112,744,500 | 4,329 |
| Average equity | $10,967,500 | 4,813 |
| Average total loans | $51,206,250 | 5,118 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 5,106 |
| Cost of funding earning assets | 0.7391% | 3,694 |
| Net interest margin | 3.4171% | 5,014 |
| Noninterest income to average assets | 0.3177% | 5,276 |
| Noninterest expense to average assets | 1.8778% | 6,643 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5990% | 837 |
| Return on assets (ROA) | 1.6054% | 925 |
| Pretax return on assets | 1.6878% | 1,294 |
| Return on Equity (ROE) | 17.6476% | 548 |
| Retained earnings to average equity (ytd only) | 3.7513% | 4,111 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7633% | 6,442 |
| Assets per employee ($millions) | 4.0002% | 3,876 |
| Cash dividends to net income (ytd only)* | 78.7435% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 4,276 |
| Loan loss allowance to noncurrent loans | 217.8248% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 6,090 |
| Noncurrent loans to loans | 0.6623% | 5,181 |
| Net loans and leases to total assets | 41.0476% | 6,269 |
| Net loans and leases to deposits | 45.4495% | 6,479 |
| Net loans and leases to core deposits | 46.1521% | 6,567 |
| Total domestic deposits to total assets | 90.3147% | 757 |
| Equity capital to assets | 9.2728% | 5,356 |
| Core capital (leverage) ratio | 7.2952% | 6,719 |
| Tier 1 risk-based capital ratio | 12.4641% | 5,593 |
| Total risk-based capital ratio | 13.4748% | 5,759 |
| Memoranda: | ||
| Average total assets | $118,970,670 | 4,443 |
| Average earning assets | $112,844,330 | 4,337 |
| Average equity | $10,823,000 | 4,854 |
| Average total loans | $51,545,330 | 5,121 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 4,972 |
| Cost of funding earning assets | 0.7775% | 3,644 |
| Net interest margin | 3.4597% | 4,879 |
| Noninterest income to average assets | 0.3343% | 5,186 |
| Noninterest expense to average assets | 1.8708% | 6,693 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6553% | 786 |
| Return on assets (ROA) | 1.6682% | 853 |
| Pretax return on assets | 1.7526% | 1,189 |
| Return on Equity (ROE) | 18.5183% | 492 |
| Retained earnings to average equity (ytd only) | 2.9239% | 4,792 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8241% | 6,558 |
| Assets per employee ($millions) | 4.0352% | 3,929 |
| Cash dividends to net income (ytd only)* | 84.2105% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,762 |
| Loan loss allowance to noncurrent loans | 217.8248% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 6,205 |
| Noncurrent loans to loans | 0.6249% | 5,398 |
| Net loans and leases to total assets | 43.1594% | 6,087 |
| Net loans and leases to deposits | 47.5180% | 6,319 |
| Net loans and leases to core deposits | 48.7483% | 6,414 |
| Total domestic deposits to total assets | 90.8274% | 630 |
| Equity capital to assets | 8.8265% | 5,718 |
| Core capital (leverage) ratio | 7.5703% | 6,584 |
| Tier 1 risk-based capital ratio | 11.9045% | 6,027 |
| Total risk-based capital ratio | 12.8836% | 6,177 |
| Memoranda: | ||
| Average total assets | $118,452,500 | 4,487 |
| Average earning assets | $112,147,500 | 4,377 |
| Average equity | $10,670,500 | 4,894 |
| Average total loans | $52,327,500 | 5,133 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 4,556 |
| Cost of funding earning assets | 0.9142% | 4,016 |
| Net interest margin | 3.7136% | 4,241 |
| Noninterest income to average assets | 0.2942% | 5,425 |
| Noninterest expense to average assets | 2.0049% | 6,665 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7155% | 535 |
| Return on assets (ROA) | 1.8061% | 488 |
| Pretax return on assets | 1.8989% | 664 |
| Return on Equity (ROE) | 20.6302% | 239 |
| Retained earnings to average equity (ytd only) | 2.7554% | 4,275 |
| Net charge-offs to loans | 0.0984% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 39.2500% | 686 |
| Efficiency ratio | 52.6450% | 6,648 |
| Assets per employee ($millions) | 3.8616% | 4,180 |
| Cash dividends to net income (ytd only)* | 86.6438% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 4,486 |
| Loan loss allowance to noncurrent loans | 217.1687% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 6,245 |
| Noncurrent loans to loans | 0.6423% | 5,424 |
| Net loans and leases to total assets | 43.9935% | 6,213 |
| Net loans and leases to deposits | 48.6851% | 6,450 |
| Net loans and leases to core deposits | 50.0132% | 6,528 |
| Total domestic deposits to total assets | 90.3633% | 783 |
| Equity capital to assets | 9.1982% | 5,288 |
| Core capital (leverage) ratio | 7.5870% | 6,608 |
| Tier 1 risk-based capital ratio | 12.1713% | 5,708 |
| Total risk-based capital ratio | 13.1814% | 5,851 |
| Memoranda: | ||
| Average total assets | $113,170,800 | 4,569 |
| Average earning assets | $107,093,400 | 4,476 |
| Average equity | $9,907,800 | 5,048 |
| Average total loans | $52,847,400 | 5,161 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 4,577 |
| Cost of funding earning assets | 0.9452% | 4,076 |
| Net interest margin | 3.7282% | 4,210 |
| Noninterest income to average assets | 0.2904% | 5,535 |
| Noninterest expense to average assets | 2.0776% | 6,538 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6526% | 703 |
| Return on assets (ROA) | 1.7742% | 596 |
| Pretax return on assets | 1.8654% | 838 |
| Return on Equity (ROE) | 20.5329% | 280 |
| Retained earnings to average equity (ytd only) | 2.5100% | 4,860 |
| Net charge-offs to loans | 0.0025% | 6,164 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1,469.6391% | 7 |
| Efficiency ratio | 54.4579% | 6,444 |
| Assets per employee ($millions) | 3.7895% | 4,328 |
| Cash dividends to net income (ytd only)* | 87.7757% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 4,449 |
| Loan loss allowance to noncurrent loans | 200.5195% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 6,220 |
| Noncurrent loans to loans | 0.7100% | 5,460 |
| Net loans and leases to total assets | 47.0207% | 6,053 |
| Net loans and leases to deposits | 53.0544% | 6,281 |
| Net loans and leases to core deposits | 53.7658% | 6,475 |
| Total domestic deposits to total assets | 88.6272% | 1,675 |
| Equity capital to assets | 9.3338% | 5,327 |
| Core capital (leverage) ratio | 7.7265% | 6,615 |
| Tier 1 risk-based capital ratio | 11.8785% | 5,976 |
| Total risk-based capital ratio | 12.9450% | 6,106 |
| Memoranda: | ||
| Average total assets | $112,501,250 | 4,610 |
| Average earning assets | $106,358,750 | 4,519 |
| Average equity | $9,720,750 | 5,117 |
| Average total loans | $53,137,500 | 5,197 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 4,677 |
| Cost of funding earning assets | 0.9792% | 4,097 |
| Net interest margin | 3.6871% | 4,325 |
| Noninterest income to average assets | 0.2694% | 5,712 |
| Noninterest expense to average assets | 2.0695% | 6,656 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6117% | 714 |
| Return on assets (ROA) | 1.7947% | 545 |
| Pretax return on assets | 1.8857% | 731 |
| Return on Equity (ROE) | 21.3497% | 257 |
| Retained earnings to average equity (ytd only) | 3.3531% | 4,126 |
| Net charge-offs to loans | 0.0038% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 949.0000% | 26 |
| Efficiency ratio | 55.0024% | 6,507 |
| Assets per employee ($millions) | 3.6853% | 4,490 |
| Cash dividends to net income (ytd only)* | 84.2942% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 4,315 |
| Loan loss allowance to noncurrent loans | 215.0418% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 6,314 |
| Noncurrent loans to loans | 0.6765% | 5,553 |
| Net loans and leases to total assets | 47.2987% | 6,120 |
| Net loans and leases to deposits | 52.7764% | 6,415 |
| Net loans and leases to core deposits | 53.6278% | 6,586 |
| Total domestic deposits to total assets | 89.6209% | 1,176 |
| Equity capital to assets | 9.0531% | 5,502 |
| Core capital (leverage) ratio | 7.6560% | 6,621 |
| Tier 1 risk-based capital ratio | 12.1034% | 5,709 |
| Total risk-based capital ratio | 13.1935% | 5,809 |
| Memoranda: | ||
| Average total assets | $112,107,000 | 4,653 |
| Average earning assets | $106,207,000 | 4,558 |
| Average equity | $9,424,000 | 5,207 |
| Average total loans | $52,774,330 | 5,253 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 4,917 |
| Cost of funding earning assets | 0.9953% | 4,235 |
| Net interest margin | 3.6106% | 4,525 |
| Noninterest income to average assets | 0.2551% | 5,857 |
| Noninterest expense to average assets | 2.0375% | 6,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5572% | 766 |
| Return on assets (ROA) | 1.7222% | 591 |
| Pretax return on assets | 1.8108% | 796 |
| Return on Equity (ROE) | 21.2889% | 277 |
| Retained earnings to average equity (ytd only) | 1.4017% | 5,264 |
| Net charge-offs to loans | 0.0076% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 53 |
| Efficiency ratio | 55.4484% | 6,566 |
| Assets per employee ($millions) | 3.8671% | 4,149 |
| Cash dividends to net income (ytd only)* | 93.4156% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 4,354 |
| Loan loss allowance to noncurrent loans | 215.0418% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 6,423 |
| Noncurrent loans to loans | 0.6828% | 5,658 |
| Net loans and leases to total assets | 44.6550% | 6,410 |
| Net loans and leases to deposits | 48.6775% | 6,711 |
| Net loans and leases to core deposits | 49.7670% | 6,785 |
| Total domestic deposits to total assets | 91.7363% | 358 |
| Equity capital to assets | 7.9352% | 6,560 |
| Core capital (leverage) ratio | 7.5957% | 6,661 |
| Tier 1 risk-based capital ratio | 11.8227% | 5,839 |
| Total risk-based capital ratio | 12.9033% | 5,967 |
| Memoranda: | ||
| Average total assets | $112,881,000 | 4,669 |
| Average earning assets | $106,907,000 | 4,562 |
| Average equity | $9,131,500 | 5,280 |
| Average total loans | $52,629,000 | 5,302 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 5,705 |
| Cost of funding earning assets | 1.1872% | 4,639 |
| Net interest margin | 3.5391% | 5,078 |
| Noninterest income to average assets | 0.3672% | 5,169 |
| Noninterest expense to average assets | 1.9599% | 7,084 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.6687% | 551 |
| Return on assets (ROA) | 1.6835% | 576 |
| Pretax return on assets | 1.7698% | 810 |
| Return on Equity (ROE) | 19.7898% | 268 |
| Retained earnings to average equity (ytd only) | 3.0537% | 3,713 |
| Net charge-offs to loans | 0.0038% | 6,813 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 955.5000% | 13 |
| Efficiency ratio | 52.7682% | 6,921 |
| Assets per employee ($millions) | 3.5403% | 4,846 |
| Cash dividends to net income (ytd only)* | 84.5692% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 4,203 |
| Loan loss allowance to noncurrent loans | 77,300.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 7,280 |
| Noncurrent loans to loans | 0.0019% | 7,170 |
| Net loans and leases to total assets | 47.2965% | 6,450 |
| Net loans and leases to deposits | 51.8075% | 6,758 |
| Net loans and leases to core deposits | 53.2270% | 6,846 |
| Total domestic deposits to total assets | 91.2928% | 464 |
| Equity capital to assets | 8.2525% | 6,199 |
| Core capital (leverage) ratio | 7.4985% | 6,704 |
| Tier 1 risk-based capital ratio | 12.2379% | 5,269 |
| Total risk-based capital ratio | 13.3620% | 5,356 |
| Memoranda: | ||
| Average total assets | $108,936,600 | 4,747 |
| Average earning assets | $103,019,200 | 4,640 |
| Average equity | $9,267,400 | 5,338 |
| Average total loans | $53,138,800 | 5,352 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 5,914 |
| Cost of funding earning assets | 1.2121% | 4,788 |
| Net interest margin | 3.5183% | 5,221 |
| Noninterest income to average assets | 0.3531% | 5,340 |
| Noninterest expense to average assets | 1.9497% | 7,136 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6439% | 683 |
| Return on assets (ROA) | 1.6591% | 725 |
| Pretax return on assets | 1.7437% | 1,027 |
| Return on Equity (ROE) | 19.3557% | 357 |
| Retained earnings to average equity (ytd only) | 2.9327% | 4,375 |
| Net charge-offs to loans | 0.0050% | 6,596 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 703.6030% | 35 |
| Efficiency ratio | 53.0177% | 6,885 |
| Assets per employee ($millions) | 3.7355% | 4,422 |
| Cash dividends to net income (ytd only)* | 84.8488% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 4,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 46.2073% | 6,679 |
| Net loans and leases to deposits | 51.7666% | 6,898 |
| Net loans and leases to core deposits | 53.2678% | 6,994 |
| Total domestic deposits to total assets | 89.2608% | 1,249 |
| Equity capital to assets | 8.5017% | 6,273 |
| Core capital (leverage) ratio | 7.6930% | 6,679 |
| Tier 1 risk-based capital ratio | 11.9090% | 5,546 |
| Total risk-based capital ratio | 13.0132% | 5,647 |
| Memoranda: | ||
| Average total assets | $108,733,750 | 4,814 |
| Average earning assets | $102,737,000 | 4,700 |
| Average equity | $9,320,000 | 5,399 |
| Average total loans | $53,253,500 | 5,423 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 5,859 |
| Cost of funding earning assets | 1.2458% | 4,861 |
| Net interest margin | 3.5350% | 5,110 |
| Noninterest income to average assets | 0.2952% | 5,785 |
| Noninterest expense to average assets | 1.9515% | 7,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6117% | 715 |
| Return on assets (ROA) | 1.6206% | 748 |
| Pretax return on assets | 1.7034% | 1,049 |
| Return on Equity (ROE) | 18.8518% | 400 |
| Retained earnings to average equity (ytd only) | 2.4494% | 4,596 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5327% | 6,930 |
| Assets per employee ($millions) | 3.4996% | 4,928 |
| Cash dividends to net income (ytd only)* | 87.0070% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 4,219 |
| Loan loss allowance to noncurrent loans | 1,061.6438% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 7,221 |
| Noncurrent loans to loans | 0.1359% | 6,990 |
| Net loans and leases to total assets | 50.4415% | 6,382 |
| Net loans and leases to deposits | 57.4234% | 6,622 |
| Net loans and leases to core deposits | 58.1549% | 6,821 |
| Total domestic deposits to total assets | 87.8414% | 2,082 |
| Equity capital to assets | 8.9821% | 5,477 |
| Core capital (leverage) ratio | 7.6800% | 6,637 |
| Tier 1 risk-based capital ratio | 12.3825% | 4,963 |
| Total risk-based capital ratio | 13.5465% | 5,015 |
| Memoranda: | ||
| Average total assets | $106,378,330 | 4,904 |
| Average earning assets | $100,820,000 | 4,784 |
| Average equity | $9,145,000 | 5,460 |
| Average total loans | $52,911,000 | 5,469 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 6,056 |
| Cost of funding earning assets | 1.2289% | 5,234 |
| Net interest margin | 3.5252% | 5,061 |
| Noninterest income to average assets | 0.2727% | 5,975 |
| Noninterest expense to average assets | 1.9388% | 7,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5952% | 762 |
| Return on assets (ROA) | 1.5952% | 812 |
| Pretax return on assets | 1.6773% | 1,101 |
| Return on Equity (ROE) | 18.9725% | 441 |
| Retained earnings to average equity (ytd only) | 1.2441% | 5,316 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6157% | 7,012 |
| Assets per employee ($millions) | 3.7830% | 4,350 |
| Cash dividends to net income (ytd only)* | 93.4426% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 4,173 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 7,312 |
| Noncurrent loans to loans | 0.1401% | 7,056 |
| Net loans and leases to total assets | 48.0749% | 6,669 |
| Net loans and leases to deposits | 54.4142% | 6,888 |
| Net loans and leases to core deposits | 55.5414% | 7,014 |
| Total domestic deposits to total assets | 88.3498% | 1,882 |
| Equity capital to assets | 8.3314% | 6,259 |
| Core capital (leverage) ratio | 7.9285% | 6,342 |
| Tier 1 risk-based capital ratio | 12.5403% | 4,706 |
| Total risk-based capital ratio | 13.7314% | 4,720 |
| Memoranda: | ||
| Average total assets | $107,074,000 | 4,950 |
| Average earning assets | $101,555,500 | 4,833 |
| Average equity | $9,002,500 | 5,546 |
| Average total loans | $52,500,500 | 5,556 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 5,460 |
| Cost of funding earning assets | 1.5863% | 5,095 |
| Net interest margin | 3.6539% | 4,337 |
| Noninterest income to average assets | 0.3517% | 5,583 |
| Noninterest expense to average assets | 2.0684% | 7,247 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6335% | 503 |
| Return on assets (ROA) | 1.6250% | 548 |
| Pretax return on assets | 1.7077% | 765 |
| Return on Equity (ROE) | 19.0930% | 299 |
| Retained earnings to average equity (ytd only) | 2.3530% | 3,474 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6460% | 7,162 |
| Assets per employee ($millions) | 3.6014% | 4,780 |
| Cash dividends to net income (ytd only)* | 87.6763% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 3,696 |
| Loan loss allowance to noncurrent loans | 1,648.9362% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 7,392 |
| Noncurrent loans to loans | 0.0913% | 7,183 |
| Net loans and leases to total assets | 48.5533% | 6,767 |
| Net loans and leases to deposits | 55.1771% | 6,973 |
| Net loans and leases to core deposits | 59.8482% | 7,268 |
| Total domestic deposits to total assets | 87.9953% | 1,976 |
| Equity capital to assets | 8.4880% | 5,899 |
| Core capital (leverage) ratio | 7.6630% | 6,599 |
| Tier 1 risk-based capital ratio | 12.9071% | 4,201 |
| Total risk-based capital ratio | 14.1372% | 4,172 |
| Memoranda: | ||
| Average total assets | $100,368,800 | 5,082 |
| Average earning assets | $94,310,000 | 5,002 |
| Average equity | $8,542,400 | 5,753 |
| Average total loans | $53,010,200 | 5,544 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 5,400 |
| Cost of funding earning assets | 1.6386% | 5,212 |
| Net interest margin | 3.6654% | 4,220 |
| Noninterest income to average assets | 0.3530% | 5,668 |
| Noninterest expense to average assets | 2.1445% | 7,104 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5628% | 714 |
| Return on assets (ROA) | 1.5514% | 786 |
| Pretax return on assets | 1.6305% | 1,114 |
| Return on Equity (ROE) | 18.2148% | 433 |
| Retained earnings to average equity (ytd only) | 0.9139% | 4,798 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6265% | 6,919 |
| Assets per employee ($millions) | 3.5704% | 4,763 |
| Cash dividends to net income (ytd only)* | 94.9828% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 3,626 |
| Loan loss allowance to noncurrent loans | 1,581.6327% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 7,449 |
| Noncurrent loans to loans | 0.0925% | 7,254 |
| Net loans and leases to total assets | 50.3969% | 6,749 |
| Net loans and leases to deposits | 57.7643% | 6,978 |
| Net loans and leases to core deposits | 62.2133% | 7,321 |
| Total domestic deposits to total assets | 87.2458% | 2,053 |
| Equity capital to assets | 8.7308% | 5,909 |
| Core capital (leverage) ratio | 7.9701% | 6,411 |
| Tier 1 risk-based capital ratio | 12.6675% | 4,424 |
| Total risk-based capital ratio | 13.8963% | 4,391 |
| Memoranda: | ||
| Average total assets | $99,350,500 | 5,140 |
| Average earning assets | $93,085,250 | 5,069 |
| Average equity | $8,461,750 | 5,832 |
| Average total loans | $53,391,500 | 5,573 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 4,852 |
| Cost of funding earning assets | 1.6928% | 5,309 |
| Net interest margin | 3.7662% | 3,695 |
| Noninterest income to average assets | 0.3777% | 5,483 |
| Noninterest expense to average assets | 2.2072% | 7,034 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6045% | 674 |
| Return on assets (ROA) | 1.5987% | 749 |
| Pretax return on assets | 1.6804% | 1,051 |
| Return on Equity (ROE) | 18.9382% | 406 |
| Retained earnings to average equity (ytd only) | 0.8465% | 4,845 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6859% | 7,028 |
| Assets per employee ($millions) | 3.3523% | 5,180 |
| Cash dividends to net income (ytd only)* | 95.5300% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 3,249 |
| Loan loss allowance to noncurrent loans | 1,519.6078% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,470 |
| Noncurrent loans to loans | 0.0981% | 7,283 |
| Net loans and leases to total assets | 52.6919% | 6,601 |
| Net loans and leases to deposits | 60.6160% | 6,844 |
| Net loans and leases to core deposits | 64.0253% | 7,301 |
| Total domestic deposits to total assets | 86.9273% | 2,292 |
| Equity capital to assets | 8.6589% | 5,809 |
| Core capital (leverage) ratio | 8.1357% | 6,100 |
| Tier 1 risk-based capital ratio | 12.9299% | 4,198 |
| Total risk-based capital ratio | 14.1797% | 4,108 |
| Memoranda: | ||
| Average total assets | $97,953,330 | 5,215 |
| Average earning assets | $91,444,000 | 5,147 |
| Average equity | $8,269,000 | 5,928 |
| Average total loans | $53,536,330 | 5,616 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 4,604 |
| Cost of funding earning assets | 1.7191% | 5,520 |
| Net interest margin | 3.8373% | 3,308 |
| Noninterest income to average assets | 0.3295% | 5,808 |
| Noninterest expense to average assets | 2.2091% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5986% | 788 |
| Return on assets (ROA) | 1.5948% | 868 |
| Pretax return on assets | 1.6761% | 1,226 |
| Return on Equity (ROE) | 19.1348% | 493 |
| Retained earnings to average equity (ytd only) | -3.1729% | 6,306 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7992% | 6,856 |
| Assets per employee ($millions) | 3.4375% | 4,975 |
| Cash dividends to net income (ytd only)* | 116.5816% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 3,473 |
| Loan loss allowance to noncurrent loans | 1,462.2642% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 7,440 |
| Noncurrent loans to loans | 0.0960% | 7,251 |
| Net loans and leases to total assets | 54.5778% | 6,402 |
| Net loans and leases to deposits | 64.7672% | 6,485 |
| Net loans and leases to core deposits | 68.0683% | 7,128 |
| Total domestic deposits to total assets | 84.2678% | 3,571 |
| Equity capital to assets | 8.3200% | 6,361 |
| Core capital (leverage) ratio | 7.9984% | 6,446 |
| Tier 1 risk-based capital ratio | 12.0178% | 4,950 |
| Total risk-based capital ratio | 13.2018% | 4,908 |
| Memoranda: | ||
| Average total assets | $98,321,000 | 5,225 |
| Average earning assets | $91,209,500 | 5,177 |
| Average equity | $8,194,500 | 5,991 |
| Average total loans | $54,304,000 | 5,615 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8293% | 6,336 |
| Cost of funding earning assets | 2.2416% | 5,412 |
| Net interest margin | 3.5877% | 4,941 |
| Noninterest income to average assets | 0.3403% | 6,015 |
| Noninterest expense to average assets | 2.0470% | 7,354 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5520% | 922 |
| Return on assets (ROA) | 1.5915% | 809 |
| Pretax return on assets | 1.6726% | 1,209 |
| Return on Equity (ROE) | 19.0204% | 451 |
| Retained earnings to average equity (ytd only) | 3.1106% | 3,219 |
| Net charge-offs to loans | -0.0239% | 7,942 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6555% | 7,063 |
| Assets per employee ($millions) | 3.3433% | 5,107 |
| Cash dividends to net income (ytd only)* | 83.6461% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 2,921 |
| Loan loss allowance to noncurrent loans | 1,359.6491% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 7,332 |
| Noncurrent loans to loans | 0.1067% | 7,093 |
| Net loans and leases to total assets | 54.3046% | 6,620 |
| Net loans and leases to deposits | 62.5316% | 6,910 |
| Net loans and leases to core deposits | 67.2882% | 7,317 |
| Total domestic deposits to total assets | 86.8434% | 2,008 |
| Equity capital to assets | 8.3492% | 6,348 |
| Core capital (leverage) ratio | 8.3483% | 5,855 |
| Tier 1 risk-based capital ratio | 12.6989% | 4,291 |
| Total risk-based capital ratio | 13.9399% | 4,215 |
| Memoranda: | ||
| Average total assets | $93,745,600 | 5,234 |
| Average earning assets | $87,214,000 | 5,175 |
| Average equity | $7,844,200 | 6,150 |
| Average total loans | $50,130,800 | 5,697 |